I am sadly over 110kg at the moment and my two Chinese derived Oxygen rear hub road bikes of circa 2011 vintage are still going strong, although I had to make myself familiar with changing the odd spoke and tensioning spokes evenly in the rear wheels, never had any trouble with the front, but I have only had to do that occasionally and always got the wheel stable again no longer breaking spokes, and I carry overloaded panniers with shopping in combination with my weight.
I am no wheel building expert. I simple replace a broken spoke and tension the spokes so they are all roughly the same.
I also have a hard tail Haibike mountain bike of circa 2015 vintage that I have ridden hard off road also with loaded panniers for just under 13,000 miles and have had to occasionally change the back wheel, which is easy on a crank drive.
So the only thing that your weight might effect is the back wheel, but not so much that you cannot cheaply maintain and keep on top of it.
Or with a crank drive simply change it. I bought a spar cheap back wheel with shimano hub of ebay for £57 quite recently and was amazed how good it was.
However if you were feeling flush you could push the boat out and pay around £650 for a hand build bespoke rear wheel.
Today's shopping trip!